You can receive a FIN 103 Single Customer Credit Transfer (issued by VISA/Barclays) directly to your account or a designated monetizer account.
The monetizer will agree to monetize your FIN with a loan-to-value ratio ranging from 20% to 50%. Plus, you will retain 80% of the profits or payouts from the monetizer (non-recourse loan) to fuel your projects.
What exactly is a FIN 103 Single Customer Credit Transfer?
It is a bank message or credit announcement from a sending bank to a receiving bank, effectively delivering a cash-backed financial instrument for a predetermined duration, typically one year and one day. This arrangement allows the receiving client, applicant, or final beneficiary to engage a monetizer and leverage this financial instrument to access a credit line.
"WE, BARCLAYS BANK PLC, LOCATED AT 1 CHURCHILL PLACE, LONDON E14 5HP, UNITED KINGDOM, DECLARE WITH FULL BANKING RESPONSIBILITY, THAT ON BEHALF OF OUR CLIENT AND ON ITS INSTRUCTIONS, ISSUE OUR FINANCIAL INSTRUMENT VIA SWIFT MT103 FOR EUR €500,000,000.00 TO: BENEFICIARY BANK: ____________., BENEFICIARY: __________________ , CURRENCY CODE EURO, AMOUNT €500,000,000.00 THROUGH THE ARRANGEMENT OF THE OFFICIAL MANDATE GRAYKU LLC AND __________________. WE, BARCLAYS BANK PLC, HEREBY PRESENT OUR IRREVOCABLE, NEGOTIABLE, DIVISIBLE, TRANSFERABLE, AND CALLABLE CASH BACKED SWIFT TRANSFER IN MT103 WIRE TRANSFER FORMAT IN FAVOR OF THE ACCOUNT NAME OF: _________________ FOR ACCOUNT NUMBER: ________________ (USD/EURO) IN THE AMOUNT OF €500,000,000.00 FOR ONE (1) YEAR AND ONE (1)DAY FOR INVESTMENT PURPOSES. THESE FUNDS ARE FREE AND CLEAR OF ALL LIENS OR ENCUMBRANCES AND WE GUARANTEE AND CONFIRM DELIVERY OF THESE FUNDS AS GOOD, CLEAN, AND CLEARED FUNDS OF NON- CRIMINAL ORIGIN FROM A LEGAL SOURCE AS SAME DAY PAYMENT, THE DAY OF RECEIPT.
WE HEREBY ORDER THAT THE BENEFICIARY HAS AN UNRESTRICTED RIGHT AND AUTHORITY TO UTILIZE, DRAW DOWN, PLEDGE, AND USE THESE FUNDS FOR A CREDIT LINE AS THEY DEEM FIT. WE CONFIRM THIS IRREVOCABLE SWIFT MT103 WIRE TRANSFER IS A BINDING FULLY PERFORMED DUE BILL AND IS SUBJECT TO THE UNIFORM COMMERCIAL CODE AS IT RELATES TO BANK CREDITS AND EXTERNAL CREDIT TRANSFER REGULATION, THIS IS AN OPERATIVE INSTRUMENT. ALL CHARGES ARE FOR THE ACCOUNT OF APPLICANT. FOR AND ON BEHALF OF BARCLAYS BANK PLC. THIS SWIFT MT103 IS SUBJECT TO THE INTERNATIONAL REMITTANCE REGULATIONS AND SUBJECT TO EXTERNAL BANK ACCOUNT PAYMENT AND IS VALID FOR ONE YEAR AND ONE DAY FROM THE DATE OF TRANSMISSION F77B: REGULATORY REPORTING €500,000,000.00 OPERATIVE INSTRUMENT NO MAIL OR PHONE REQUIRED FOR AND ON BEHALF OF BARCLAYS BANK PLC. FOR AND ON BEHALF OF BARCLAYS BANK PLC LOCATED AT 1 CHURCHILL PLACE, LONDON E14 5HP, UNITED KINGDOM".
We collaborate with monetizers and will connect you with them before you make any decisions!


Expect an average LTV ranging from 10% to 80% +/- from the monetizers we will connect you with.
We are the issuing entity for the FIN. Fast and Efficient Process.